Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2015 • EIN 59-0860768

Jan 01, 2015 to Dec 31, 2015 • Filed on Sep 23, 2016

Organization Profilewww.ccuflorida.org

View Organization Page

1030 South US 1Rockledge, FL 32955

(321) 637-3120

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

57th percentile

0.90x

Higher debt load relative to assets than 57% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

46th percentile

17.98x

Higher debt load relative to revenue than 46% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

78th percentile

20%

Higher net margin than 78% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

51st percentile

$398,937

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

83rd percentile

11%

Faster asset growth than 83% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

64th percentile

7.9%

Faster revenue growth than 64% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$540,437,606

Up $54,218,726 (+11%) from 2014

Net Assets

Up

$54,453,655

Up $4,883,789 (+9.9%) from 2014

Liabilities

Up

$485,983,951

Up $49,334,937 (+11%) from 2014

Revenue And Expenses
Liabilities / Revenue46th percentileNet Margin78th percentile

Revenue

Up

$27,035,402

Up $1,971,181 (+7.9%) from 2014

Expenses

Up

$21,724,607

Up $447,836 (+2.1%) from 2014

Net Income

Up

$5,310,795

Up $1,523,345 (+40%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2010: $359,966,164Liabilities 2010: $328,517,449Net Assets 2010: $31,448,7152010Assets 2011: $383,812,722Liabilities 2011: $349,806,474Net Assets 2011: $34,006,2482011Assets 2012: $408,386,714Liabilities 2012: $369,075,566Net Assets 2012: $39,311,1482012Assets 2013: $438,404,390Liabilities 2013: $392,078,782Net Assets 2013: $46,325,6082013Assets 2014: $486,218,880Liabilities 2014: $436,649,014Net Assets 2014: $49,569,8662014Assets 2015: $540,437,606Liabilities 2015: $485,983,951Net Assets 2015: $54,453,6552015Assets 2016: $591,284,233Liabilities 2016: $528,512,566Net Assets 2016: $62,771,6672016Assets 2017: $659,157,986Liabilities 2017: $585,954,665Net Assets 2017: $73,203,3212017Assets 2018: $726,483,060Liabilities 2018: $640,883,953Net Assets 2018: $85,599,1072018Assets 2019: $809,920,874Liabilities 2019: $713,379,612Net Assets 2019: $96,541,2622019Assets 2020: $920,888,310Liabilities 2020: $819,104,599Net Assets 2020: $101,783,7112020Assets 2021: $1,021,969,331Liabilities 2021: $907,345,069Net Assets 2021: $114,624,2622021Assets 2022: $1,120,501,481Liabilities 2022: $990,907,347Net Assets 2022: $129,594,1342022Assets 2023: $1,278,730,537Liabilities 2023: $1,137,998,117Net Assets 2023: $140,732,4202023Assets 2024: $1,372,263,273Liabilities 2024: $1,226,064,767Net Assets 2024: $146,198,5062024

Highlighted filing

2015

Assets$540,437,606
Liabilities$485,983,951
Net Assets$54,453,655
Open 2015 Filing

Operations Trend

Revenue Growth64th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$80M$60M$40M$20M$0Expenses 2010: $22,511,1032010Expenses 2011: $20,314,7262011Expenses 2012: $18,255,0462012Revenue 2013: $25,357,945Expenses 2013: $18,882,414Net Income 2013: $6,475,5312013Revenue 2014: $25,064,221Expenses 2014: $21,276,771Net Income 2014: $3,787,4502014Revenue 2015: $27,035,402Expenses 2015: $21,724,607Net Income 2015: $5,310,7952015Revenue 2016: $29,546,215Expenses 2016: $20,422,423Net Income 2016: $9,123,7922016Revenue 2017: $32,799,023Expenses 2017: $21,885,248Net Income 2017: $10,913,7752017Revenue 2018: $37,466,135Expenses 2018: $24,386,848Net Income 2018: $13,079,2872018Revenue 2019: $42,788,484Expenses 2019: $30,983,530Net Income 2019: $11,804,9542019Revenue 2020: $41,999,208Expenses 2020: $36,548,358Net Income 2020: $5,450,8502020Revenue 2021: $43,006,441Expenses 2021: $29,718,670Net Income 2021: $13,287,7712021Revenue 2022: $47,699,278Expenses 2022: $32,792,091Net Income 2022: $14,907,1872022Revenue 2023: $64,769,031Expenses 2023: $53,493,486Net Income 2023: $11,275,5452023Revenue 2024: $78,734,084Expenses 2024: $74,320,222Net Income 2024: $4,413,8622024

Highlighted filing

2015

Revenue$27,035,402
Expenses$21,724,607
Net Income$5,310,795
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Sep 23, 2016
Return Version
2015v2.1
Gross Receipts
$27,035,402
Mission and Program Overview

Mission

Community Credit Union of Florida is a member owned, not-for-profit, financial cooperative formed in 1953 by local educators. CCU of Florida has grown to more than 37,900 members, CCU's mission is to "Always improve the financial well-being of our members and make a positive difference in our community.

Community Credit Union of Florida provides financial services to it's 40,712 members as of 12/31/2015. CCUFlorida is servicing 23,315 member loans and has a total of 74,840 deposit accounts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$387,049,108$434,689,485▲ $47,640,377
Savings and Temporary Cash Investments$52,821,604$58,016,111▲ $5,194,507
Rtn Earn Endowment Incm Other Fnds$49,569,866$54,453,655▲ $4,883,789
Investments Other Securities$19,030,006$17,283,807▼ $1,746,199
Prepaid Expenses and Deferred Charges$9,364,613$11,315,769▲ $1,951,156
Land, Buildings, and Equipment, Net$8,960,396$9,313,639▲ $353,243
Cash and Non-Interest-Bearing Accounts$2,958,503$2,906,357▼ $52,146
Receivables From Officers Etc$1,280,660$1,876,140▲ $595,480
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$486,218,880$540,437,606▲ $54,218,726
Other Assets Total$4,753,990$5,036,298▲ $282,308
Liabilities
Other Liabilities$417,413,328$461,097,507▲ $43,684,179
Accounts Payable and Accrued Expenses$19,235,686$24,886,444▲ $5,650,758
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$436,649,014$485,983,951▲ $49,334,937
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,569,866$54,453,655▲ $4,883,789
Total Liabilities and Net Assets / Fund Balance$486,218,880$540,437,606▲ $54,218,726

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,139,770$3,148,493$8,288,263
Equipment$856,284$5,712,755$6,569,039
Land$3,296,641-$3,296,641
Leasehold Improvements$20,944$232,094$253,038
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David O BrockPresident/CEOFT$347,096$34,392$381,488
Laurie CappelliSr Vice PresidentFT$149,597$8,986$158,583
Lesli DooleyVP of Organizational DevelopmentFT$136,294$6,155$142,449
David HillVP TechnologyFT$119,764$16,420$136,184
Margaret HasenbeckVP of Accounting and FinanceFT$118,851$16,420$135,271
Jmaes ChastainVP of Commercial ServicesFT$119,779$6,155$125,934
Meredith GibsonVP of MarketingFT$107,873$6,155$114,028

Board Members and Trustees

NameTitle
Henry KelleyChairman of the Board
Dorotha EverhartVice Chairman of the Board
Betty DunnDirector
James PlatmanDirector
Linda DaleSecretary/Treasurer of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesCustomer data and transaction processorPo Box 609, Monett, MO 65708$623,473
FiservDebit Card Processing, and data processor75 Remittance Dr, Chicago, IL 60675$610,610
Florida TodayAdvertisingPO BOX 677592, Dallas, TX 75267$495,039
Digital InsightOn line BankingPO BOX 515306, Los Angeles, CA 90051$418,639
FisCredit Card ProcessingPO BOX 30495, Tampa, FL 33630$331,749
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$26,408,241
Investment Income
$341,007
Other Revenue
$286,154
Change in Net Assets
$5,310,795

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,035,402
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$27,035,402
Total Revenue per Form 990
$27,035,402
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,274,626
Salaries, Compensation, and Employee Benefits$6,360,526
Grants and Similar Amounts Paid$89,455
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,874,665
Interest---$2,403,062
Information Technology---$1,736,679
Office Expenses---$1,596,141
Current Officers, Directors, Trustees, and Key Employees---$1,142,632
Advertising---$1,125,551
Other Employee Benefits---$856,499
Fees for Services Management---$669,825
Depreciation Depletion---$628,210
Occupancy---$570,395
Other Expenses---$419,591
Payroll Taxes---$397,328
Fees for Services Accounting---$267,114
Conferences and Meetings---$201,139
Insurance---$145,071
Payments to Affiliates---$90,705
Grants to Domestic Orgs---$89,455
Pension Plan Contributions---$89,402
Fees for Services Legal---$88,637
Travel---$56,935
Total Functional Expenses$0$0$0$21,724,607

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,724,607
Total Expenses per Audited Statements$21,724,607
Total Expenses per Form 990$21,724,607
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Brevard Schools FoundationViera, FL501c3-$89,455
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,280,660$1,876,140▲ $595,480
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Deposits$461,097,507
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 40,700 members as of December 2015.”

Form 990, Part VI, Section A, Line 7A

“Membership participate in the election of the Board of Directors at the annual meeting held during the first quarter of every year.”

Form 990, Part VI, Section B, Line 11B

“The 990 is presented to the Board of Directors during the monthly meeting. A copy of the completed form and schedules are given to each board member and the preparer of the form goes over the return answering any questions as they are presented.”

Form 990, Part VI, Section B, Line 15

“The compensation of the executive officer is determined by the board of directors annually. The board first conducts performance review, compensation survey study is completed. Contract negotiations are conducted between the CEO and the Board. Contract is drawn up, reviewed by legal. Then approved and signed.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policies and financial statements are not required disclosures pursuant of internal revenue code (IRC) section 6104. But, the organization posts the monthly financial statements in the lobby of each branch.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0860768
Phone
3216373120
Address
1030 South US 1, Rockledge, FL 32955

Signing Officer

Name
David Brock
Title
President/CEO
Phone
3216903120
Signed
2016-09-23

Organization Details

Principal Officer
David O Brock
Formed
1953
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
104
Volunteers
6
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in Pension Plan”

Raw XML AppendixShowing 400 of 602 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt019235686
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt024886444
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Community Credit Union of Florida provides financial services to it's 40,712 members as of 12/31/2015. CCUFlorida is servicing 23,315 member loans and has a total of 74,840 deposit accounts.
IRS990/AdvertisingGrp/TotalAmt01125551
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0David O Brock
IRS990/BooksInCareOfDetail/PhoneNum03216902328
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01030 South US 1
IRS990/BooksInCareOfDetail/USAddress/CityNm0Rockledge
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
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IRS990/CollectionsOfArtInd00
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/ContractorCompensationGrp/CompensationAmt2418639
IRS990/ContractorCompensationGrp/CompensationAmt3331749
IRS990/ContractorCompensationGrp/CompensationAmt4495039
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt075 Remittance Dr
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1Po Box 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 515306
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 30495
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 677592
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Chicago
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Monett
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Los Angeles
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0IL
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4TX
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd165708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd290051
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd333630
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Jack Henry & Associates
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2Digital Insight
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3FIS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4Florida Today
IRS990/ContractorCompensationGrp/ServicesDesc0Debit Card Processing, and data processor
IRS990/ContractorCompensationGrp/ServicesDesc1Customer data and transaction processor
IRS990/ContractorCompensationGrp/ServicesDesc2On line Banking
IRS990/ContractorCompensationGrp/ServicesDesc3Credit Card Processing
IRS990/ContractorCompensationGrp/ServicesDesc4Advertising
IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt089455
IRS990/CYInvestmentIncomeAmt0341007
IRS990/CYOtherExpensesAmt015274626
IRS990/CYOtherRevenueAmt0286154
IRS990/CYProgramServiceRevenueAmt026408241
IRS990/CYRevenuesLessExpensesAmt05310795
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt027035402
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IRS990/DelegationOfMgmtDutiesInd00
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IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
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IRS990/FeesForServicesLobbyingGrp/TotalAmt00
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IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
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IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1016420
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt116155
IRS990/Form990PartVIISectionAGrp/PersonNm0Henry Kelley
IRS990/Form990PartVIISectionAGrp/PersonNm1Dorotha Everhart
IRS990/Form990PartVIISectionAGrp/PersonNm2Linda Dale
IRS990/Form990PartVIISectionAGrp/PersonNm3James Platman
IRS990/Form990PartVIISectionAGrp/PersonNm4Betty Dunn
IRS990/Form990PartVIISectionAGrp/PersonNm5David O Brock
IRS990/Form990PartVIISectionAGrp/PersonNm6Laurie Cappelli
IRS990/Form990PartVIISectionAGrp/PersonNm7Jmaes Chastain
IRS990/Form990PartVIISectionAGrp/PersonNm8Lesli Dooley
IRS990/Form990PartVIISectionAGrp/PersonNm9David Hill
IRS990/Form990PartVIISectionAGrp/PersonNm10Margaret Hasenbeck
IRS990/Form990PartVIISectionAGrp/PersonNm11Meredith Gibson
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5381488
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6158583
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7119779
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8136294
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9119764
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10118851
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11107873
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary/Treasurer of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt6Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP of Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP of Organizational Development
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP of Accounting and Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP of Marketing
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IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd01
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IRS990/GainOrLossGrp/SecuritiesAmt00
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IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt089455
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01736679
IRS990/InsuranceGrp/TotalAmt0145071
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02403062
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0341007
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt019030006
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt017283807
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt012348
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09093342
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08960396
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09313639
IRS990/LandBldgEquipCostOrOtherBssAmt018406981
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Community Credit Union of Florida is a member owned, not-for-profit, financial cooperative formed in 1953 by local educators. CCU of Florida has grown to more than 43,000 members, CCU's mission is to "Always improve the financial well-being of our members and make a positive difference in our community.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt049569866
IRS990/NetAssetsOrFundBalancesEOYAmt054453655
IRS990/NetUnrelatedBusTxblIncmAmt0-44443
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0570395
IRS990/OfficeExpensesGrp/TotalAmt01596141
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04753990
IRS990/OtherAssetsTotalGrp/EOYAmt05036298
IRS990/OtherChangesInNetAssetsAmt0-427006
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0856499
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1gain or loss on assets
IRS990/OtherExpensesGrp/Desc2Other loan servicing
IRS990/OtherExpensesGrp/Desc3dues, over/short, misc
IRS990/OtherExpensesGrp/TotalAmt03733464
IRS990/OtherExpensesGrp/TotalAmt1-192209
IRS990/OtherExpensesGrp/TotalAmt21734316
IRS990/OtherExpensesGrp/TotalAmt3419591
IRS990/OtherLiabilitiesGrp/BOYAmt0417413328
IRS990/OtherLiabilitiesGrp/EOYAmt0461097507
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0Misc.
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0286154
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt0286154
IRS990/OtherSalariesAndWagesGrp/TotalAmt03874665
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0387049108
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0434689485
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt090705
IRS990/PayrollTaxesGrp/TotalAmt0397328
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt089402
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09364613
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011315769
IRS990/PrincipalOfficerNm0David O Brock
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Membership Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Service Charges and Other Fees
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Loan Origination
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt020961797
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13003935
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22125817
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3253739
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt020961797
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13036455
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22156250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3253739
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt132520
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt230433
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Offer financial services to 40,700 members in the form of deposit accounts, debit/atm cards, money orders, safe deposit boxes, wire transfers and many other services that are provided by Community Credit Union of Florida.
IRS990/ProgSrvcAccomActy3Grp/Desc0Investments are used as a means of extra earnings on deposited funds that have not been utilized for any lending programs.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYInvestmentIncomeAmt0358468
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt015606203
IRS990/PYOtherRevenueAmt055896
IRS990/PYProgramServiceRevenueAmt024649857
IRS990/PYRevenuesLessExpensesAmt03787450
IRS990/PYSalariesCompEmpBnftPaidAmt05632002
IRS990/PYTotalExpensesAmt021276771
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025064221
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IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01280660
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01876140
IRS990/ReconcilationRevenueExpnssAmt05310795
IRS990/RelatedEntityInd00
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IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt054453655
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt058016111
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08288263
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$540,437,606
Liabilities
$485,983,951
Net assets
$54,453,655
Revenue
$27,035,402
Expenses
$21,724,607
Net income
$5,310,795
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,372$1,226$146$78.7$74.3$4.41
2023Summary only. Only limited summary data is available for this year.$1,279$1,138$141$64.8$53.5$11.3
2022Summary only. Only limited summary data is available for this year.$1,121$991$130$47.7$32.8$14.9
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,022$907$115$43.0$29.7$13.3
2020Summary only. Only limited summary data is available for this year.$921$819$102$42.0$36.5$5.45
2019Summary only. Only limited summary data is available for this year.$810$713$96.5$42.8$31.0$11.8
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$726$641$85.6$37.5$24.4$13.1
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$659$586$73.2$32.8$21.9$10.9
2016Summary only. Only limited summary data is available for this year.$591$529$62.8$29.5$20.4$9.12
2015Detailed filing. Detailed filing data is available for this year.$540$486$54.5$27.0$21.7$5.31
2014Detailed filing. Detailed filing data is available for this year.$486$437$49.6$25.1$21.3$3.79
2013Detailed filing. Detailed filing data is available for this year.$438$392$46.3$25.4$18.9$6.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$408$369$39.3$18.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$384$350$34.0$20.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$360$329$31.4$22.5
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $250M-$1B nonprofits